Despite a red-hot real estate market, most aspiring buyers can still afford to buy a home—if they can find one. But it may not be that way for much longer.

Households bringing in at least $68,000 a year, the national median, could afford about 59.6% of all newly constructed and existing (previously lived in) homes sold in the fourth quarter of 2017, according to a recent National Association of Home Builders report. But that doesn’t take into account the most expensive coastal markets such as San Francisco and New York City, where buyers need six-figure salaries for even the smallest and oldest of residences.

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